Settle is a mobile payments platform that allows users to send and receive money, pay merchants, access loyalty programs, and more. It aims to digitize payments and drive financial inclusion. Settle provides a fully managed payments solution for businesses, consumers, acquirers, and issuers. It is built on Auka's multi-award winning payments technology and removes costs and complexity for partners while facilitating an entire ecosystem where all parties benefit.

1. Auka@aukapay sales@auka.io
We create intuitive, smart and beautiful payments technology
that enhances everyday lives.

2. Digitizing Croatia
- the digital financial services tsunami

3. 2010 2017

4. 2016
GAFA will take the role of the bank
Today

5. PSD2

6. $
Today Tomorrow
PSD2
i $i

14. Mobile Payments is the answer
- it’s the fastest growing financial services offering, globally
65%
of the population
in Denmark
MobilePay Vipps
55%
of the population
in Norway
Swish
65%
of the population
in Sweden
AliPay
550 Million
users, 100 million
daily active
Venmo
$12 billion
transaction
volume Q1 2018
Google Tez
67%
market share
reported dec. 2017
Zelle
30 Million
users, beating
Venmo in one year

17. Card
Retail
eCommerce
Transportation
Businesses (SMEs)
Send and request money
Bank Account
PrepaidCredit
1
2
4
5
3
Invoice payments6
Restaurants7

18. Settle - the business model
A fully managed, bank friendly, mobile payments scheme
‣ Built on a multi-award winning mobile payments platform
‣ Removes the cost, complexity and risk of launching a mobile payments scheme
‣ Facilitates an ecosystem where all participating parties benefit and co-exist
‣ Is based on the world’s best known and most successful payment scheme model
‣ Financial incentives for all partners
‣ Structured to facilitate local ownership
‣ Enables financial institutions to protect their market position agains new entrants
‣ Creates a new digital channel that facilitates cross and up-selling of products and services
‣ Addresses the cash economy and drives financial inclusion

19. Settle for acquirers
• Earn transactional revenue from all
Merchants you enrol
• It’s almost like card acquiring
• Except you have no risk, yet high reward
Settle for businesses
• Accept payments everywhere
• Build a digital store in people's pockets
• Reach customers and sell more
• Accept orders for pickup or delivery
• Chat with your clients
• Track sales, get insights and control
Settle for consumers
• Send and receive money instantly
• Explore merchants and offers
• Chat and share moments
• Check your balance
• Use any card or account
• Payout to any account
Settle for issuers
• Earn transactional revenue from
Consumers you enrol
• It’s almost like card issuing
• Except you have no risk, yet high reward
Acquirer
Merchant
Issuer
Consumer
The classic four-party model
The world’s most proven payments scheme structure

20. Minimal friction
payments
Built on Auka’s multi-
award winning
payments platform

21. Easy sign up
Sign up with your phone number
1. Enter your phone number
2. Enter one time password (OTP)
3. Choose a PIN and enable biometric login
1 2 3

22. Digital identity verification
Verify users’ identity with photo of identity paper and video selfie
1 2 3
1. Scan your identity paper
2. Take a video selfie
3. You are verified! (within 24 h)

23. Send and request money
Build up your user base with person to person payments
1 2 3
1. Choose recipient and
enter amount
2. Choose funding source
3. See status of the
payment in the feed
4. Done!
4

24. Functionality
‣ Send money to a merchant as easily as to a person
‣ Digital signup for the merchant and no hardware needed
‣ Three ways of initiating a payment:
‣ Discover in your nearby list
‣ Scan a QR-code
‣ Enter a phone number
Use cases
‣ Small restaurants and shops, coffee shops, markets
Settle for SMEs: Digital Cash
Help small businesses sell more and increase revenue

25. 1 2 3 4 5
1. Choose shop in the Settle marketplace
2. Choose your food
3. Choose funding source and pay
4. See receipt
5. Collect your order or get it delivered
Settle for SMEs: Marketplace
Pre-order food, drinks and tickets from merchants directly in the Settle app

26. Settle for eCommerce: mobile
The perfect payment solution to increase online conversion rates
1 2 3 4

27. Functionality
‣ Payments initiated with bluetooth (BLE) or QR-codes
‣ Payments validated by user in the App (two factor
authentication)
‣ Get the receipt in the app
‣ GDPR compliant data sharing
‣ API for loyalty scheme integration
‣ Easy to implement Payments API supporting any payment
scenario and hardware (POS, ECR, Vending etc)
Settle for retailers
Frictionless payments with loyalty capabilities

28. Third-party app payments
Pay with Settle inside popular apps
Functionality
‣ Convenience of paying with Settle for
different services
‣ No need to input data
‣ Automatic app-switching
Use cases
‣ Tickets, subscriptions, and more
‣ Merchants can incentivise usage through
special offers
1 2 3

29. Invoice Payments
Consumers can pay their invoices directly in the Settle App
Functionality
‣ Paper-based invoices can be paid for by scanning the
invoice, or sending money to the merchant identifier
‣ Once enrolled, the user may receive invoices in the Settle
App directly, where it can be paid easily
‣ Notifications with amount and due date sent well in time
‣ Automatic payment is also available
Use cases
‣ Utility bills, rent, subscriptions and membership fees

30. Real-time credit
Consumers can enrol digitally and receive context based credit on the fly
1 62 3 4 5

31. Loyalty program
Merchants can offer stamp-card payments
Functionality
‣ Collect product or service by redeeming a digital stamp
‣ Works at any time from anywhere
‣ Driving loyalty and simplifying the purchase process for
consumers
Use cases
‣ Coffee shops, lunch restaurants

32. Settle Merchant Portal
Easy to use, self-service tool to run your business
Features and benefits
‣ Web application
‣ Overview of sales
‣ Notifications of orders and transactions
‣ Manage store details
‣ Manage products in pre-order stores
‣ Customized reports
‣ Export settlement and sales reports
to Excel or CSV

33. Merchant Portal: Product management
Add products and organize them in digital menus
Features and benefits
‣ Get custom branding, images and descriptions
‣ Advanced product specific tailoring options
‣ Manage inventory and set VAT rates
‣ Enable customer data capturing
‣ Choose payment validation
‣ Change delivery settings

34. Merchant Portal: Transactions
Real-time overview of incoming transactions
Features and benefits
‣ Notifications for incoming transactions
‣ Calculate partial refunds easily
‣ A variety of data segmentation options
‣ Dig deeper into transaction details

35. Merchant Portal: Settlement reports
Complete overview of all settlements received
Features and benefits
‣ Gross sales reporting
‣ Transaction- and service fees reporting
‣ Net Settlement reporting
‣ Settlement payout status
‣ Supports popular formats (CSV, Excel, PDF)
‣ Automatic distribution via email

36. If you don’t take our word for it
Listen to what our customers and partners say
“In six months with Auka
we grew our customer
base almost 30%”
“Auka helped position us in
the competitive landscape“
“Auka is changing what is
considered possible in the
financial industry”
“The Auka technology
platform and product
portfolio is state of the art“
Gunnar Hovland, CEO,
BN Bank
Rune Fjeldstad, Chairman,
SB 1 Mobile Payments
Otso Juntonen, Head of Cloud
Platform, Nordics at Google
Simon Zwahlen, Innovation Manager,
Swisscom Banking

37. It’s not all about looks
We are also proud of our compliance and certifications
- We got an EU wide e-money license from the Financial Supervisory Authorities of Norway
- PCI Compliance (DSS 3.2 Level 1)
- SEPA Connectivity
- Visa (becoming principal members) and MasterCard associate membership
- Data centre and infrastructure certifications beyond requirements
- Extensive corresponding bank network with insured client accounts

38. ! 😎 🤩 🍾
eu